Senior Living Facilities

Our exclusive, comprehensive insurance program for long-term care facilities is available nationwide.

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APU Senior Care is a comprehensive long-term care liability program available nationally in exclusive partnership with an "A-" IX rated insurance carrier.

 

Target Accounts

  • Skilled nursing facilities
  • Assisted living facilities
  • Independent living facilities
  • Continuing care retirement communities
  • Both for-profit and not-for-profit facilities from single locations to larger long-term care organizations with multiple locations
  • Will write primary and excess (supported or unsupported)

 

Policy Features

  • Primary professional liability written on an occurrence basis in all states except for the following: TN, WV, KY, CA, FL, New York City and Cook County, IL
  • Primary professional liability written on a claims-made basis in all states
  • Will write primary and excess (supported or unsupported)
  • Primary general liability written on a claims-made or occurrence-basis
  • Additional insuring agreements include:
    • Evacuation Expense Reimbursement
    • Public Relations Reimbursement
    • Resident Property coverage
    • Employee Benefits Liability coverage
  • Coverage for punitive damages where allowable by law
  • Coverage for physical and sexual abuse
  • Standard form is defense outside the limit, can be moved inside for a premium credit

 

Limits/Retentions

  • Primary limits up to $1M per claim, $3M location aggregate, $10M policy aggregate
  • First dollar coverage to high self-insured retentions considered
  • Excess umbrella limit up to $5M